Home Improvement Loan

Love Your Home.

Whether you intend to revamp the garden, build a new extension, convert your attic, get a new kitchen, fix that leaky roof or upgrade your ensuite; we have loan rates that decrease as your project costs increase.

Small Home Improvement Loans for projects up to €9,999 are at a rate of 9.9% (APR 10.4%). Term up to 5 years.

Large Home Improvement Loans for projects between €10,000 – €24,999 are at a rate of 8.2% (APR 8.5%). Term up to 5 years.

Great Rate Loans for projects between €25,000 – €75,000 are at a rate of 6.2% (APR 6.38%). Term 5 – 10 years.

Loans are subject to approval. Terms and conditions apply.

Fill out the quick enquiry form & we’ll get back to you within a day & you can start planning straight away.

Loan Summary

Terms & Conditions Apply All figures given on this website are for your general information only, and give a rough guide to loan repayments so as to give you, the borrower, an overview of the potential cost of borrowing. Any statements on this website do not purport to be authoritative or legally binding. St. Canice's Kilkenny Credit Union Ltd. accepts no responsibility for any omissions or errors due to changes in rates or offers which have occurred after this date. You are advised to check with our offices for up-to-date rates and offers. St. Canice's Kilkenny Credit Union Ltd. is regulated by the Central Bank of Ireland.

Get the Loan You Need.

Make Your Living Space: a Dream Space.

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Testimonials

“I chose the Credit Union because they are local, friendly, we know the people, I work there (in the same community), I live with them, they make it easy to go down & get everything done. Convenience of going in on a Saturday & lower interest rates. One of the good things about the Credit Union was being able to pay the loan off early and no penalties, top up your loans as you go. All done and approved within an hour; which was very straight forward and easy for us. We love our new kitchen, thanks to the Credit Unon.”Enda & Mai Butler from Kilkenny.

Benefits.

Loans are insured by the Credit Union’s Loan Protection Insurance at no extra cost. This gives you the comfort of knowing that your family will not be left with the burden of loan repayments in the event of you passing away.

No stipulation to have a CU current account, repay from a CU current account or have your wages paid directly to your CU account.

No administration fees or hidden charges.

Interest is charged on your reducing loan balance so your repayments are based on what is actually outstanding.

Cashback on your loan interest paid is a possibility – if there is a CU surplus available at the end of the financial year & approved at AGM, we will apply it to Home Improvement Loans up to €75,000, further reducing the interest rate you pay.